# For fintech & lending teams

Building a lending, payments, remittance or wallet product in Pakistan means wiring in the country's economic signals. PakDataHub gives you them through one API, starting with 500 free API calls a month.

## What you'll reach for

| Need | Series / endpoint |
|---|---|
| Price floating-rate credit | `rates.kibor.3m` / `6m` / `1y` (offer side), `rates.policy` |
| KIBOR history for backtests | `rates.kibor.6m` with `dims=side:offer` (daily, 2005 ->) |
| Remittance and FX pricing | `fx.rate.avg.usd`, `fx.rate.avg.sar`, `fx.rate.avg.aed`, `remittances.workers_remittances_received_<country>` |
| Credit-model macro inputs | `inflation.cpi.national.yoy`, `industry.lsm.qim`, `sme.npl_ratio` |
| Market sizing and adoption | `payments.raast.p2p.value`, `payments.mobile_banking_users`, `payments.ewallet_users`, `payments.qr_merchants` |

## Pricing a floating-rate product

```bash
curl -H "X-API-Key: pk_live_xxx" \
  "https://api.pakdatahub.com/v1/series/rates.kibor.3m?dims=side:offer&limit=1"
```

`/v1/series/{id}/latest` is the cheapest call for a ticker. Add `?dims=side:offer` to get just the offer row (without it you get both bid and offer). Cache the result; KIBOR updates once each business day.

## Don't poll: subscribe

On a paid plan, register a [webhook](https://pakdatahub.com/docs/api-webhooks.md) for `rates.kibor.3m` or the whole `fixed-income` module. We POST you a signed payload the moment new data lands.

## Starting on the free plan

The free plan's 500 calls a month reach every dataset with the last year of history, which is plenty for a prototype. Move to Developer for 10 years of history, to Pro for full history and revision vintages, or to Business when your app shows the data to your own customers ([Plans](https://pakdatahub.com/docs/plans-credits.md)).

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Source: https://pakdatahub.com/docs/for-fintech-teams - PakDataHub docs index: https://pakdatahub.com/docs/llms.txt